- Individual financial products
- Partnership-based advice
- Corporate citizenship in the region
Our products and services
Advice from the cooperative financial network – easy to understand and partnership-based
As our customer, you come first. We use our products and services to help you achieve your wishes and objectives. Our advice is fair, transparent, and based on the principle of solidarity. Find out for yourself what we offer and get in touch.
Volksbank Ermstal-Alb eG – your retail banking partner
Whether you are at university, building a house, or planning for your retirement, Volksbank Ermstal-Alb eG is the strong partner at your side. As part of the cooperative financial network, we work closely with highly effective specialized institutions to offer you various financial products.
Current accounts & credit cards
Current accounts, credit cards, and online banking from your Volksbank Ermstal-Alb eG let you manage your banking affairs securely and conveniently. Find out about our products and services.
Savings & investments
Do you want to put money aside regularly or are you looking for a suitable investment? Make more from your money with the various saving and investment options offered by your Volksbank Ermstal-Alb eG. We will help you to find the right product for your savings and investments.
Loans & home finance
We offer tailored loans and home finance solutions, so there is nothing standing between you and your new car, new kitchen, or even your own home.
Real estate finance
As an expert on real estate in your region, we can help you buy your own home. Talk to us and we will work with you to find the perfect property for you and your family.
We offer insurance policies that give you made-to-measure cover, from car insurance to health insurance to home insurance. To find out what policies would suit your needs, contact your Volksbank Ermstal-Alb eG.
Our personal pension products will provide you and your family with additional income in later life. Discover everything that our wide range of products has to offer so that you have peace of mind and can enjoy your retirement.
Volksbank Ermstal-Alb eG – your corporate banking partner
Whether you are a young entrepreneur or a long-standing business owner, we will support you at every stage and can offer you the advice and expertise that you need for your company's projects. Simply get in touch with us.
Professional and reliable processing of your payments is crucial to the success of your business. Your payments processing can benefit from our tried-and-tested, efficient, and innovative solutions.
Taking your company's individual objectives into consideration, we will help you find the right place to invest your money. Whether you are looking for a fixed-term deposit, instant-access account, or an investment fund, we will develop an investment strategy and a plan with which to optimally manage your company's capital.
We care about your success. Customized financing for our corporate customers, including loans and leasing, enable you to realize your business plans.
Pensions and insurance
Our insurance products for your company and solutions for your employees' occupational pensions ensure you have dependable cover in place. We will provide you with detailed information on the products that are the best match for you and your company.
Start-ups and succession planning
If you are putting a succession plan in place for your company or looking to acquire another business, our specialists have the expertise you need. They will help you to decide which of the various finance products and advisory services will suit you best.
The co-operative idea
Ascertaining your objectives and wishes
The advisory services offered by the cooperative financial network start with a personal meeting, conducted in a spirit of partnership, where you have the chance to discuss your objectives and wishes with us. We take as much time as is necessary to get to know you and understand exactly what you require.
Every aspect is taken into consideration
We work with you to analyze your current financial and personal situation. Taking account of your specific needs and your short, medium, and long-term goals, we will then use all of this data to come up with the best solutions.
Your benefits as a member of your Volksbank Ermstal-Alb eG
Membership of your Volksbank Ermstal-Alb eG puts you at an advantage from the outset. You find out more about our business strategy and can vote on the bank's policies. You also share in its financial success because a dividend is generally paid out on shares once a year. As a member, you also enjoy exclusive added value and attractive benefits in many areas of life.
Members have a say
As a shareholder, you have a say in the business policy decisions of your Volksbank Ermstal-Alb eG because you have the right to vote at the general meeting of members and in the election of representatives. The duties of the general meeting of members include adopting the annual financial statements, deciding on the appropriation of net profit, and determining the members of the supervisory bodies. Each member has one vote at the general meeting of members, irrespective of how many shares they hold. This means that everyone has an equal say and nobody has control over anyone else.
Applying for membership
To become a member of your Volksbank Ermstal-Alb eG, you need to submit an application for membership. The board of Managing Directors decides on each memerbership application. On becoming a new member, you undertake to acquire one or more shares. Following your written application for membership and approval of your application by the cooperative bank, you become a member and thus a shareholder of the bank.